| Own-bank ATM | Current SBI ATM material states that all non-financial transactions at SBI ATMs/ADWMs are free. Free financial/cash-withdrawal treatment follows the account-specific SBI schedule and is not replaced by the other-bank ATM allowance. | First 5 financial transactions per month at ICICI ATMs are free for Savings-account holders; all non-financial ICICI ATM transactions are free under the current ATM FAQ. |
|---|
| Other-bank ATM | The dated 1 December 2025 SBI charge notice lists 5 free monthly financial + non-financial other-bank ATM/ADWM transactions at all centres for ordinary Savings Bank variants excluding BSBD/KCC/Salary Package, then ₹23 + GST cash withdrawal and ₹11 + GST non-financial. The generic SBI ATM page still says 3 metro/5 non-metro, so the conflict is exposed. | First 3 financial/non-financial transactions in Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad, or first 5 elsewhere, are free subject to a maximum 5 free transactions per month; thereafter ₹23 financial and ₹8.50 non-financial, plus GST. |
|---|
| Withdrawal limits | Debit-card daily limits continue to control card withdrawals. SBI UPI QR Cash/ICCW currently permits up to ₹10,000 per day through at most 2 transactions; SBI also sends an OTP for SBI-debit-card ATM/ADWM transactions above ₹10,000. | Card withdrawal is constrained by the debit-card/account limit. Cardless cash has conflicting current ICICI disclosures: the general ATM page says ₹20,000/transaction and ₹50,000/day; the dedicated cardless page says ₹20,000/transaction and ₹20,000/day. |
|---|
| Cash deposit machine | ADWMs are deposit-cum-withdrawal machines. For current accounts, SBI's current waiver notice lists up to ₹1 lakh per card-based deposit transaction, ₹49,900 cardless, ₹49,900 debit-card-to-third-party current account and GRC up to ₹25,000 per transaction/₹1 lakh monthly; existing CBS cash-handling/free-deposit limits still apply. | ICICI CRMs support cash deposits. Deposit charges and free transaction/value thresholds follow the applicable Savings/current account schedule rather than one CRM-wide free allowance. |
|---|
| Branch cash | Branch cash-handling and free-deposit/withdrawal rules remain attached to the underlying SBI account tariff; the ADWM waiver does not replace the branch/CBS tariff. | ICICI's current cash-deposit guidance for Regular Savings describes the first three base-branch cash transactions monthly as free, then per-transaction/value charges; non-base and programme/variant treatment can differ. The account's current schedule remains controlling. |
|---|
| Failed ATM treatment | RBI's controlling framework requires proactive reversal when an ATM account is debited but cash is not dispensed within T+5 calendar days and ₹100/day compensation for delay beyond T+5. SBI provides ATM complaint/unauthorised-transaction support through its published customer-care channels. | ICICI supports ATM cash-withdrawal complaints through Net Banking, customer care and branches. RBI requires reversal of debit-without-cash ATM failures within T+5 calendar days and ₹100/day compensation for delay beyond T+5. |
|---|
| Charge scope | Always match the charge row to account segment and own-bank versus other-bank channel. A separate Salary Package revision is already scheduled for 1 October 2026 and must be refreshed before quoting that segment after the effective date. | Apply ATM interchange charges independently from branch/CRM cash-handling charges, and match the latter to account opening date, programme and account variant. |
|---|